Property Transfer Procedure in Punjab — Step by Step

Overview of Property Transfer in Punjab

Property transfer in Punjab involves two main steps: Registry at Sub-Registrar office (legal ownership) and Inteqal at Patwari office (revenue record update). Both are required for complete transfer.

Pre-Transfer: Gather Documents

• Original Fard Malkiat (ownership record)
• Original Registry/Sale Deed
• NOC from housing authority (DHA, LDA, Bahria etc.)
• No-dues certificate from society
• CNICs of buyer and seller
• FBR valuation of property

Step 1: Bayana (Advance Payment)

Seller and buyer agree on price. Buyer pays 10-25% as advance. Written Bayana receipt signed by both. Include: property address, total price, advance paid, balance payment date, and withdrawal penalties.

Step 2: FBR Tax Payment

Both buyer and seller pay WHT on iris.fbr.gov.pk. Seller pays CGT if applicable. Generate CPR (Computerized Payment Receipt) for each. This is required before Sub-Registrar will process.

Step 3: Registry at Sub-Registrar

Both parties visit Sub-Registrar office. Bring: original documents, CNICs, FBR CPRs, stamp duty payment receipt. Sub-Registrar reads deed aloud, both parties confirm. Deed signed and stamped. Buyer receives certified copy.

Step 4: Stamp Duty Payment

Paid to provincial government before or at Sub-Registrar. Punjab rate: 3% of DC value. Pay online via 1-Link or at designated bank.

Step 5: Inteqal at Patwari Office

After Registry, visit local Patwari with: original Registry, buyer CNIC, and Inteqal application form. Patwari updates the Jamabandi (revenue record) to buyer's name. Takes 1-4 weeks. Get updated Fard showing new owner's name.

Timeline

Total process: 2-6 weeks depending on documents ready and government office speed. Rush possible for PKR 5,000-20,000 in unofficial fees.

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